Ex girlfriend trying to make me pay for the car!!

Cy93

basically around 2 years ago my girlfriend at the time took a £12,000 loan out to buy me a car as a gift.... the car is registered in my name and has been paid outright by the loan so is free on the HPI check..

i used online banking to send her money for food shopping and her travelling to work around £80 a week.. un beknown to me she was actually using this money to help pay off the loan.. now we've gone our separate ways she wants me to take over the loan?

first of all i did not ask her to get me the car.. there is around £7000 left on the loan i'd like to know if anyone on here knows where is stand? as i obviously dont want to carry on paying it.. (which sounds harsh but im not sure i can afford it)

thanks

Pixie5740

Return the car to her so she can sell it. Then she can use the money to repay the loan.

Voyager2002

In all fairness, you should offer her the car in settlement for what remains of the loan.

PasturesNew

If it were me I'd suggest the car's sold, with all the money going to her and the whole loan/outstanding amount is hers.

Legally, if it were as you say, the car's yours entirely and the loan's hers entirely. However, with a high value gift that was unsolicited, it's only polite to offer it back as it was bought with loaned money and not cash.

Quimoi

Sell the car, pay off the loan, you keep whatever is left over.

Legally you 'may' be able to say tough luck to her but morally (IMO) you wouldn't have a leg to stand on.

Cy93

but if she where using my money to pay the loan off.. ive been paying the loan of which i didnt ask for.. does anybody know where i legally stand on this? and to be honest i dont think the car is worth even whats left of the loan now.. there was a hell of alot of interest i believe

Gaz83

Cy93 wrote: »

but if she where using my money to pay the loan off.. ive been paying the loan of which i didnt ask for.. does anybody know where i legally stand on this? and to be honest i dont think the car is worth even whats left of the loan now.. there was a hell of alot of interest i believe

What does it matter what 'pot' the £80 per week came from? Whether it was paying for the loan or not is irrelevant.

Cars don't usually hold their value anywhere near the same pace as the loan is paid off. That's what happens.

Mojisola

Cy93 wrote: »

i used online banking to send her money for food shopping and her travelling to work around £80 a week.. un beknown to me she was actually using this money to help pay off the loan..

Cy93 wrote: »

but if she where using my money to pay the loan off.. ive been paying the loan of which i didnt ask for..

So wasn't she buying any food or paying to travel to work during that time?

Or are you concerned because she used 'your' money to pay the loan and used her own money for shopping and travel?

Cy93

no 85% of the money i sent was paying off the loan.. and morals have gone out the window with what she did to me (i wont go into it) thats why i want to know where i stand from a legal point of view...

Ebe_Scrooge

Cy93 wrote: »

but if she where using my money to pay the loan off.. ive been paying the loan of which i didnt ask for.. does anybody know where i legally stand on this?

Legally - if the loan is in her name, it's her problem. Assuming it was an unsecured loan, the car is paid for, registered to you, you own the car, she owns the loan ( which is "unconnected" to the car ). Legally, the car is yours, the loan is for her to sort out, nothing to do with you. Where she gets the money to pay for the loan is irrelevant. ( If the loan was secured against the car then it's a different matter ).

So legally, you have nothing to worry about. Morally, of course, that's down to you and her ...

Pixie5740

A gift is a gift.

Were you living together when you gave her £80 a week?